Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2012

In 2012, Charles Schwab Bank, SSB of Lone Tree, CO reported 11,075 mortgage applications totaling $4.9 billion, down 39% from 2011. The average application was for $441,918, and applicants reported an average income of $204,807. 35% of its applications resulted in an originated loan and 16% were denied. Its largest markets were San Francisco-San Mateo-Redwood City, CA (842), Los Angeles-Long Beach-Glendale, CA (667) and Oakland-Fremont-Hayward, CA (640) (applications in parentheses).

Mortgage Company & Address Charles Schwab Bank, SSB

Lone Tree, CO 80124
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 11,075
Total Mortgage Loan Application Amount $4,894,244,000
Average Mortgage Loan Application Amount $441,918
Highest Mortgage Loan Application Amount $9,000,000
Average Applicant Income $204,807
Highest Applicant Income $5,414,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Charles Schwab Bank, SSB by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 667 $ 434,006,000 $ 650,683 $ 269,000
Santa Clara, California 559 $ 314,914,000 $ 563,352 $ 192,000
Orange, California 447 $ 275,543,000 $ 616,427 $ 248,000
San Diego, California 413 $ 249,817,000 $ 604,883 $ 226,000
San Francisco, California 355 $ 213,327,000 $ 600,921 $ 246,000
Contra Costa, California 331 $ 167,598,000 $ 506,338 $ 202,000
Maricopa, Arizona 316 $ 115,981,000 $ 367,028 $ 177,000
Alameda, California 309 $ 137,890,000 $ 446,245 $ 175,000
San Mateo, California 284 $ 177,205,000 $ 623,961 $ 242,000
King, Washington 277 $ 122,206,000 $ 441,176 $ 227,000
Cook, Illinois 205 $ 80,292,000 $ 391,668 $ 209,000
Marin, California 203 $ 111,347,000 $ 548,507 $ 184,000
Riverside, California 137 $ 49,173,000 $ 358,927 $ 156,000
Sonoma, California 115 $ 44,085,000 $ 383,347 $ 190,000
Fairfax, Virginia 105 $ 41,740,000 $ 397,523 $ 190,000
Washoe, Nevada 98 $ 28,893,000 $ 294,826 $ 141,000
Fairfield, Connecticut 97 $ 59,545,000 $ 613,865 $ 276,000
Placer, California 95 $ 39,373,000 $ 414,452 $ 194,000
Clark, Nevada 90 $ 29,709,000 $ 330,100 $ 246,000
Denver, Colorado 88 $ 32,407,000 $ 368,261 $ 145,000
Dallas, Texas 85 $ 43,551,000 $ 512,364 $ 257,000
Douglas, Colorado 82 $ 30,051,000 $ 366,475 $ 176,000
Fulton, Georgia 81 $ 31,650,000 $ 390,740 $ 220,000
Arapahoe, Colorado 80 $ 30,532,000 $ 381,650 $ 162,000
Harris, Texas 78 $ 33,510,000 $ 429,615 $ 215,000
Middlesex, Massachusetts 75 $ 33,446,000 $ 445,946 $ 210,000
Palm Beach, Florida 73 $ 32,381,000 $ 443,575 $ 192,000
Montgomery, Maryland 73 $ 35,112,000 $ 480,986 $ 219,000
Ventura, California 67 $ 29,362,000 $ 438,238 $ 155,000
Boulder, Colorado 67 $ 24,437,000 $ 364,731 $ 154,000
Wake, North Carolina 64 $ 16,940,000 $ 264,687 $ 160,000
Sacramento, California 61 $ 18,224,000 $ 298,754 $ 153,000
New York, New York 61 $ 50,578,000 $ 829,147 $ 396,000
District of Columbia, District Of Columbia 59 $ 34,816,000 $ 590,101 $ 238,000
Travis, Texas 57 $ 21,995,000 $ 385,877 $ 240,000
DuPage, Illinois 55 $ 19,423,000 $ 353,145 $ 195,000
Santa Barbara, California 52 $ 38,253,000 $ 735,634 $ 250,000
Monmouth, New Jersey 52 $ 25,082,000 $ 482,346 $ 174,000
Collier, Florida 47 $ 26,496,000 $ 563,744 $ 443,000
Multnomah, Oregon 47 $ 15,029,000 $ 319,765 $ 165,000
Honolulu, Hawaii 46 $ 21,960,000 $ 477,391 $ 144,000
Norfolk, Massachusetts 46 $ 23,595,000 $ 512,934 $ 230,000
Lee, Florida 44 $ 15,226,000 $ 346,045 $ 198,000
Monterey, California 43 $ 23,123,000 $ 537,744 $ 232,000
San Bernardino, California 43 $ 12,911,000 $ 300,255 $ 161,000
Santa Cruz, California 43 $ 20,724,000 $ 481,953 $ 198,000
Jefferson, Colorado 43 $ 13,405,000 $ 311,744 $ 131,000
Broward, Florida 43 $ 15,987,000 $ 371,790 $ 174,000
Lake, Illinois 43 $ 16,351,000 $ 380,255 $ 188,000
Pima, Arizona 42 $ 12,528,000 $ 298,285 $ 140,000
Mecklenburg, North Carolina 41 $ 15,063,000 $ 367,390 $ 169,000
Suffolk, Massachusetts 40 $ 18,848,000 $ 471,200 $ 206,000
Nassau, New York 40 $ 15,637,000 $ 390,925 $ 180,000
Nevada, California 39 $ 15,869,000 $ 406,897 $ 376,000
Oakland, Michigan 38 $ 13,033,000 $ 342,973 $ 274,000
Hennepin, Minnesota 38 $ 13,087,000 $ 344,394 $ 189,000
Bergen, New Jersey 37 $ 16,369,000 $ 442,405 $ 259,000
Miami-Dade, Florida 36 $ 18,044,000 $ 501,222 $ 283,000
Tarrant, Texas 35 $ 10,564,000 $ 301,828 $ 172,000
Essex, New Jersey 34 $ 16,378,000 $ 481,705 $ 251,000
El Dorado, California 33 $ 13,639,000 $ 413,303 $ 497,000
Morris, New Jersey 33 $ 13,869,000 $ 420,272 $ 355,000
Napa, California 32 $ 22,278,000 $ 696,187 $ 263,000
El Paso, Colorado 31 $ 7,113,000 $ 229,451 $ 153,000
Cobb, Georgia 31 $ 11,153,000 $ 359,774 $ 163,000
Chester, Pennsylvania 31 $ 10,633,000 $ 343,000 $ 202,000
St. Louis, Missouri 30 $ 8,216,000 $ 273,866 $ 146,000
Suffolk, New York 30 $ 15,535,000 $ 517,833 $ 189,000
Westchester, New York 30 $ 16,514,000 $ 550,466 $ 316,000
Snohomish, Washington 30 $ 8,144,000 $ 271,466 $ 128,000
Spokane, Washington 30 $ 6,361,000 $ 212,033 $ 114,000
Larimer, Colorado 29 $ 6,993,000 $ 241,137 $ 162,000
Orange, Florida 29 $ 8,342,000 $ 287,655 $ 162,000
Bucks, Pennsylvania 29 $ 9,786,000 $ 337,448 $ 170,000
Beaufort, South Carolina 29 $ 13,068,000 $ 450,620 $ 323,000
Charleston, South Carolina 29 $ 10,861,000 $ 374,517 $ 171,000
Collin, Texas 29 $ 10,510,000 $ 362,413 $ 180,000
Salt Lake, Utah 29 $ 8,918,000 $ 307,517 $ 143,000
San Luis Obispo, California 28 $ 12,883,000 $ 460,107 $ 171,000
Ada, Idaho 28 $ 7,960,000 $ 284,285 $ 163,000
Anne Arundel, Maryland 28 $ 11,557,000 $ 412,750 $ 225,000
Mercer, New Jersey 28 $ 10,381,000 $ 370,750 $ 225,000
Ocean, New Jersey 28 $ 8,674,000 $ 309,785 $ 122,000
Clackamas, Oregon 28 $ 10,449,000 $ 373,178 $ 248,000
Loudoun, Virginia 27 $ 11,010,000 $ 407,777 $ 151,000
Summit, Colorado 26 $ 12,517,000 $ 481,423 $ 403,000
Somerset, New Jersey 25 $ 11,344,000 $ 453,760 $ 214,000
Deschutes, Oregon 25 $ 9,662,000 $ 386,480 $ 157,000
Kitsap, Washington 24 $ 11,254,000 $ 468,916 $ 182,000
Plymouth, Massachusetts 23 $ 16,023,000 $ 696,652 $ 331,000
Bernalillo, New Mexico 23 $ 4,923,000 $ 214,043 $ 125,000
Solano, California 22 $ 5,876,000 $ 267,090 $ 141,000
Hamilton, Indiana 22 $ 6,986,000 $ 317,545 $ 224,000
Washtenaw, Michigan 22 $ 6,257,000 $ 284,409 $ 207,000
Santa Fe, New Mexico 22 $ 12,133,000 $ 551,500 $ 216,000
Yavapai, Arizona 21 $ 7,865,000 $ 374,523 $ 118,000
Sarasota, Florida 21 $ 10,829,000 $ 515,666 $ 274,000
DeKalb, Georgia 21 $ 5,693,000 $ 271,095 $ 165,000
Bexar, Texas 21 $ 4,624,000 $ 220,190 $ 155,000
Fort Bend, Texas 21 $ 5,151,000 $ 245,285 $ 205,000
Anchorage, Alaska 20 $ 5,004,000 $ 250,200 $ 159,000
Pinellas, Florida 20 $ 6,837,000 $ 341,850 $ 142,000
Barnstable, Massachusetts 20 $ 9,529,000 $ 476,450 $ 320,000
Buncombe, North Carolina 20 $ 6,269,000 $ 313,450 $ 132,000
Philadelphia, Pennsylvania 20 $ 5,742,000 $ 287,100 $ 144,000
Pierce, Washington 20 $ 5,914,000 $ 295,700 $ 122,000
San Joaquin, California 18 $ 5,379,000 $ 298,833 $ 166,000
St. Johns, Florida 18 $ 7,442,000 $ 413,444 $ 186,000
Cuyahoga, Ohio 18 $ 7,019,000 $ 389,944 $ 210,000
Delaware, Pennsylvania 18 $ 8,084,000 $ 449,111 $ 264,000
Williamson, Texas 18 $ 3,871,000 $ 215,055 $ 120,000
Gwinnett, Georgia 17 $ 4,944,000 $ 290,823 $ 197,000
Blaine, Idaho 17 $ 9,186,000 $ 540,352 $ 252,000
Union, New Jersey 17 $ 6,576,000 $ 386,823 $ 196,000
Allegheny, Pennsylvania 17 $ 3,279,000 $ 192,882 $ 103,000
Montgomery, Pennsylvania 17 $ 6,961,000 $ 409,470 $ 197,000
Montgomery, Texas 17 $ 5,341,000 $ 314,176 $ 212,000
Summit, Utah 17 $ 8,660,000 $ 509,411 $ 143,000
Hillsborough, Florida 16 $ 4,881,000 $ 305,062 $ 133,000
Manatee, Florida 16 $ 4,195,000 $ 262,187 $ 187,000
Hillsborough, New Hampshire 16 $ 3,888,000 $ 243,000 $ 129,000
Kings, New York 16 $ 9,170,000 $ 573,125 $ 252,000
Clark, Washington 16 $ 3,668,000 $ 229,250 $ 163,000
Eagle, Colorado 15 $ 10,318,000 $ 687,866 $ 336,000
Marion, Indiana 15 $ 4,221,000 $ 281,400 $ 235,000
Essex, Massachusetts 15 $ 7,070,000 $ 471,333 $ 209,000
Franklin, Ohio 15 $ 2,378,000 $ 158,533 $ 159,000
Williamson, Tennessee 15 $ 7,658,000 $ 510,533 $ 265,000
Arlington, Virginia 15 $ 4,676,000 $ 311,733 $ 204,000
Hartford, Connecticut 14 $ 5,006,000 $ 357,571 $ 169,000
Duval, Florida 14 $ 5,021,000 $ 358,642 $ 176,000
Cumberland, Maine 14 $ 4,395,000 $ 313,928 $ 165,000
Burlington, New Jersey 14 $ 3,580,000 $ 255,714 $ 109,000
Middlesex, New Jersey 14 $ 4,527,000 $ 323,357 $ 135,000
Hamilton, Ohio 14 $ 6,700,000 $ 478,571 $ 177,000
Milwaukee, Wisconsin 14 $ 5,256,000 $ 375,428 $ 247,000
Howard, Maryland 13 $ 5,211,000 $ 400,846 $ 199,000
Wayne, Michigan 13 $ 3,758,000 $ 289,076 $ 196,000
Rockingham, New Hampshire 13 $ 3,423,000 $ 263,307 $ 166,000
Queens, New York 13 $ 3,858,000 $ 296,769 $ 115,000
Denton, Texas 13 $ 5,162,000 $ 397,076 $ 187,000
Alexandria, Virginia 13 $ 6,038,000 $ 464,461 $ 176,000
Kern, California 12 $ 2,665,000 $ 222,083 $ 127,000
Charlotte, Florida 12 $ 2,580,000 $ 215,000 $ 82,000
Will, Illinois 12 $ 2,475,000 $ 206,250 $ 178,000
Baltimore, Maryland 12 $ 5,705,000 $ 475,416 $ 307,000
Worcester, Massachusetts 12 $ 3,274,000 $ 272,833 $ 163,000
Hudson, New Jersey 12 $ 4,212,000 $ 351,000 $ 129,000
Orange, North Carolina 12 $ 3,196,000 $ 266,333 $ 152,000
Washington, Oregon 12 $ 3,479,000 $ 289,916 $ 96,000
Greenville, South Carolina 12 $ 4,246,000 $ 353,833 $ 185,000
Jefferson, Washington 12 $ 5,552,000 $ 462,666 $ 320,000
Waukesha, Wisconsin 12 $ 5,463,000 $ 455,250 $ 254,000
Stanislaus, California 11 $ 4,309,000 $ 391,727 $ 205,000
New Castle, Delaware 11 $ 2,284,000 $ 207,636 $ 102,000
Indian River, Florida 11 $ 6,451,000 $ 586,454 $ 289,000
Johnson, Kansas 11 $ 3,441,000 $ 312,818 $ 370,000
Ramsey, Minnesota 11 $ 3,636,000 $ 330,545 $ 154,000
Oklahoma, Oklahoma 11 $ 2,345,000 $ 213,181 $ 124,000
Pinal, Arizona 10 $ 2,161,000 $ 216,100 $ 102,000
Broomfield, Colorado 10 $ 2,190,000 $ 219,000 $ 107,000
Brevard, Florida 10 $ 2,827,000 $ 282,700 $ 123,000
Walton, Florida 10 $ 4,706,000 $ 470,600 $ 360,000
Forsyth, Georgia 10 $ 2,233,000 $ 223,300 $ 138,000
Orleans, Louisiana 10 $ 2,673,000 $ 267,300 $ 153,000
Dakota, Minnesota 10 $ 1,933,000 $ 193,300 $ 149,000
St. Charles, Missouri 10 $ 2,344,000 $ 234,400 $ 204,000
Sandoval, New Mexico 10 $ 2,591,000 $ 259,100 $ 129,000
Union, North Carolina 10 $ 2,363,000 $ 236,300 $ 126,000
Jackson, Oregon 10 $ 2,634,000 $ 263,400 $ 87,000
Davidson, Tennessee 10 $ 5,253,000 $ 525,300 $ 202,000
Shelby, Alabama 9 $ 2,619,000 $ 291,000 $ 90,000
Coconino, Arizona 9 $ 2,122,000 $ 235,777 $ 102,000
Calaveras, California 9 $ 2,124,000 $ 236,000 $ 196,000
La Plata, Colorado 9 $ 3,520,000 $ 391,111 $ 213,000
New Haven, Connecticut 9 $ 2,517,000 $ 279,666 $ 132,000
Sumter, Florida 9 $ 2,762,000 $ 306,888 $ 112,000
Volusia, Florida 9 $ 1,792,000 $ 199,111 $ 126,000
Maui, Hawaii 9 $ 8,655,000 $ 961,666 $ 379,000
Kane, Illinois 9 $ 2,337,000 $ 259,666 $ 129,000
Bristol, Massachusetts 9 $ 4,107,000 $ 456,333 $ 270,000
Jackson, Missouri 9 $ 1,382,000 $ 153,555 $ 180,000
Douglas, Nevada 9 $ 2,751,000 $ 305,666 $ 106,000
Lane, Oregon 9 $ 2,066,000 $ 229,555 $ 97,000
James City, Virginia 9 $ 2,461,000 $ 273,444 $ 125,000
Dane, Wisconsin 9 $ 2,445,000 $ 271,666 $ 114,000
Baldwin, Alabama 8 $ 2,006,000 $ 250,750 $ 149,000
Madison, Alabama 8 $ 2,064,000 $ 258,000 $ 191,000
Mohave, Arizona 8 $ 1,201,000 $ 150,125 $ 67,000
Yolo, California 8 $ 3,234,000 $ 404,250 $ 176,000
Kauai, Hawaii 8 $ 5,032,000 $ 629,000 $ 321,000
Sedgwick, Kansas 8 $ 2,003,000 $ 250,375 $ 109,000
Baltimore City, Maryland 8 $ 1,949,000 $ 243,625 $ 123,000
Ottawa, Michigan 8 $ 3,368,000 $ 421,000 $ 193,000
Carver, Minnesota 8 $ 1,717,000 $ 214,625 $ 107,000
Chatham, North Carolina 8 $ 2,019,000 $ 252,375 $ 95,000
Durham, North Carolina 8 $ 2,291,000 $ 286,375 $ 135,000
Henderson, North Carolina 8 $ 2,000,000 $ 250,000 $ 140,000
Loudon, Tennessee 8 $ 5,728,000 $ 716,000 $ 154,000
Albemarle, Virginia 8 $ 3,497,000 $ 437,125 $ 202,000
Teton, Wyoming 8 $ 7,997,000 $ 999,625 $ 461,000
Jefferson, Alabama 7 $ 1,849,000 $ 264,142 $ 352,000
Pulaski, Arkansas 7 $ 2,266,000 $ 323,714 $ 238,000
Adams, Colorado 7 $ 1,548,000 $ 221,142 $ 175,000
Grand, Colorado 7 $ 2,271,000 $ 324,428 $ 292,000
Litchfield, Connecticut 7 $ 3,415,000 $ 487,857 $ 209,000
Martin, Florida 7 $ 4,894,000 $ 699,142 $ 333,000
Okaloosa, Florida 7 $ 2,206,000 $ 315,142 $ 216,000
Seminole, Florida 7 $ 2,218,000 $ 316,857 $ 149,000
Hawaii, Hawaii 7 $ 3,510,000 $ 501,428 $ 182,000
Jefferson, Kentucky 7 $ 2,974,000 $ 424,857 $ 182,000
East Baton Rouge, Louisiana 7 $ 1,658,000 $ 236,857 $ 200,000
St. Tammany, Louisiana 7 $ 1,456,000 $ 208,000 $ 149,000
Talbot, Maryland 7 $ 3,673,000 $ 524,714 $ 126,000
Berkshire, Massachusetts 7 $ 2,597,000 $ 371,000 $ 248,000
Livingston, Michigan 7 $ 1,478,000 $ 211,142 $ 116,000
Macomb, Michigan 7 $ 1,121,000 $ 160,142 $ 95,000
Passaic, New Jersey 7 $ 2,431,000 $ 347,285 $ 275,000
Bronx, New York 7 $ 1,457,000 $ 208,142 $ 93,000
Brunswick, North Carolina 7 $ 2,005,000 $ 286,428 $ 76,000
Guilford, North Carolina 7 $ 1,892,000 $ 270,285 $ 167,000
Moore, North Carolina 7 $ 1,770,000 $ 252,857 $ 173,000
Tulsa, Oklahoma 7 $ 1,882,000 $ 268,857 $ 127,000
Horry, South Carolina 7 $ 1,365,000 $ 195,000 $ 63,000
Knox, Tennessee 7 $ 1,902,000 $ 271,714 $ 105,000
Chesterfield, Virginia 7 $ 1,505,000 $ 215,000 $ 107,000
Prince William, Virginia 7 $ 1,886,000 $ 269,428 $ 82,000
Virginia Beach, Virginia 7 $ 3,509,000 $ 501,285 $ 174,000
San Juan, Washington 7 $ 5,989,000 $ 855,571 $ 575,000
Whatcom, Washington 7 $ 1,090,000 $ 155,714 $ 67,000
Navajo, Arizona 6 $ 964,000 $ 160,666 $ 100,000
Garfield, Colorado 6 $ 2,897,000 $ 482,833 $ 152,000
Pueblo, Colorado 6 $ 1,239,000 $ 206,500 $ 119,000
St. Lucie, Florida 6 $ 1,493,000 $ 248,833 $ 181,000
Chatham, Georgia 6 $ 1,425,000 $ 237,500 $ 181,000
Cherokee, Georgia 6 $ 921,000 $ 153,500 $ 70,000
Frederick, Maryland 6 $ 1,679,000 $ 279,833 $ 135,000
Hampshire, Massachusetts 6 $ 1,396,000 $ 232,666 $ 120,000
Kent, Michigan 6 $ 1,590,000 $ 265,000 $ 186,000
Washington, Minnesota 6 $ 2,416,000 $ 402,666 $ 156,000
Gallatin, Montana 6 $ 2,000,000 $ 333,333 $ 205,000
Douglas, Nebraska 6 $ 1,705,000 $ 284,166 $ 120,000
Cape May, New Jersey 6 $ 2,373,000 $ 395,500 $ 160,000
Hunterdon, New Jersey 6 $ 2,066,000 $ 344,333 $ 135,000
Monroe, New York 6 $ 1,291,000 $ 215,166 $ 95,000
Orange, New York 6 $ 2,103,000 $ 350,500 $ 154,000
Iredell, North Carolina 6 $ 2,728,000 $ 454,666 $ 170,000
New Hanover, North Carolina 6 $ 3,488,000 $ 581,333 $ 258,000
Summit, Ohio 6 $ 1,202,000 $ 200,333 $ 87,000
Providence, Rhode Island 6 $ 2,472,000 $ 412,000 $ 135,000
Washington, Rhode Island 6 $ 3,417,000 $ 569,500 $ 148,000
Shelby, Tennessee 6 $ 2,120,000 $ 353,333 $ 173,000
Galveston, Texas 6 $ 2,217,000 $ 369,500 $ 254,000
Hays, Texas 6 $ 1,639,000 $ 273,166 $ 99,000
Richmond City, Virginia 6 $ 3,125,000 $ 520,833 $ 150,000
Island, Washington 6 $ 1,611,000 $ 268,500 $ 148,000
Garland, Arkansas 5 $ 928,000 $ 185,600 $ 84,000
Mendocino, California 5 $ 895,000 $ 179,000 $ 75,000
Mono, California 5 $ 2,184,000 $ 436,800 $ 288,000
Shasta, California 5 $ 1,190,000 $ 238,000 $ 149,000
Weld, Colorado 5 $ 1,080,000 $ 216,000 $ 99,000
Middlesex, Connecticut 5 $ 1,370,000 $ 274,000 $ 261,000
Sussex, Delaware 5 $ 1,264,000 $ 252,800 $ 99,000
Flagler, Florida 5 $ 1,397,000 $ 279,400 $ 273,000
Lake, Florida 5 $ 726,000 $ 145,200 $ 110,000
Monroe, Florida 5 $ 3,869,000 $ 773,800 $ 107,000
Nassau, Florida 5 $ 1,471,000 $ 294,200 $ 131,000
Pasco, Florida 5 $ 648,000 $ 129,600 $ 120,000
Hall, Georgia 5 $ 1,371,000 $ 274,200 $ 109,000
Bonner, Idaho 5 $ 2,516,000 $ 503,200 $ 189,000
Boone, Indiana 5 $ 1,366,000 $ 273,200 $ 200,000
Fayette, Kentucky 5 $ 1,053,000 $ 210,600 $ 104,000
Prince George's, Maryland 5 $ 766,000 $ 153,200 $ 112,000
Emmet, Michigan 5 $ 2,138,000 $ 427,600 $ 199,000
Atlantic, New Jersey 5 $ 927,000 $ 185,400 $ 310,000
Dona Ana, New Mexico 5 $ 841,000 $ 168,200 $ 271,000
Jackson, North Carolina 5 $ 1,137,000 $ 227,400 $ 138,000
Geauga, Ohio 5 $ 1,364,000 $ 272,800 $ 112,000
Warren, Ohio 5 $ 1,713,000 $ 342,600 $ 118,000
Lincoln, Oregon 5 $ 1,594,000 $ 318,800 $ 92,000
Lehigh, Pennsylvania 5 $ 1,362,000 $ 272,400 $ 245,000
York, Pennsylvania 5 $ 798,000 $ 159,600 $ 169,000
Newport, Rhode Island 5 $ 1,386,000 $ 277,200 $ 320,000
Nueces, Texas 5 $ 1,474,000 $ 294,800 $ 196,000
Rockwall, Texas 5 $ 1,900,000 $ 380,000 $ 196,000
Windsor, Vermont 5 $ 1,567,000 $ 313,400 $ 236,000
Benton, Washington 5 $ 854,000 $ 170,800 $ 175,000
Chelan, Washington 5 $ 1,923,000 $ 384,600 $ 208,000
Ozaukee, Wisconsin 5 $ 1,915,000 $ 383,000 $ 337,000
Benton, Arkansas 4 $ 1,938,000 $ 484,500 $ 220,000
Butte, California 4 $ 1,817,000 $ 454,250 $ 130,000
Fresno, California 4 $ 973,000 $ 243,250 $ 411,000
Plumas, California 4 $ 1,659,000 $ 414,750 $ 257,000
Park, Colorado 4 $ 911,000 $ 227,750 $ 97,000
Bay, Florida 4 $ 2,168,000 $ 542,000 $ 193,000
Osceola, Florida 4 $ 1,008,000 $ 252,000 $ 113,000
Santa Rosa, Florida 4 $ 650,000 $ 162,500 $ 72,000
Kootenai, Idaho 4 $ 1,878,000 $ 469,500 $ 126,000
LaPorte, Indiana 4 $ 1,061,000 $ 265,250 $ 179,000
Porter, Indiana 4 $ 1,014,000 $ 253,500 $ 153,000
Jefferson, Louisiana 4 $ 517,000 $ 129,250 $ 230,000
Hampden, Massachusetts 4 $ 1,035,000 $ 258,750 $ 143,000
Camden, Missouri 4 $ 701,000 $ 175,250 $ 279,000
St. Louis City, Missouri 4 $ 1,274,000 $ 318,500 $ 149,000
Belknap, New Hampshire 4 $ 1,569,000 $ 392,250 $ 186,000
Camden, New Jersey 4 $ 1,003,000 $ 250,750 $ 130,000
Taos, New Mexico 4 $ 858,000 $ 214,500 $ 323,000
Dutchess, New York 4 $ 1,498,000 $ 374,500 $ 166,000
Putnam, New York 4 $ 1,139,000 $ 284,750 $ 130,000
Richmond, New York 4 $ 949,000 $ 237,250 $ 70,000
Dare, North Carolina 4 $ 1,460,000 $ 365,000 $ 191,000
Watauga, North Carolina 4 $ 1,666,000 $ 416,500 $ 247,000
Delaware, Ohio 4 $ 671,000 $ 167,750 $ 167,000
Portage, Ohio 4 $ 628,000 $ 157,000 $ 89,000
Benton, Oregon 4 $ 907,000 $ 226,750 $ 87,000
Cumberland, Pennsylvania 4 $ 961,000 $ 240,250 $ 149,000
Dauphin, Pennsylvania 4 $ 1,515,000 $ 378,750 $ 208,000
Georgetown, South Carolina 4 $ 1,453,000 $ 363,250 $ 166,000
Oconee, South Carolina 4 $ 1,730,000 $ 432,500 $ 127,000
Blount, Tennessee 4 $ 1,770,000 $ 442,500 $ 232,000
Utah, Utah 4 $ 694,000 $ 173,500 $ 131,000
Bennington, Vermont 4 $ 1,006,000 $ 251,500 $ 201,000
Chittenden, Vermont 4 $ 1,438,000 $ 359,500 $ 162,000
Falls Church, Virginia 4 $ 2,277,000 $ 569,250 $ 329,000
Mason, Washington 4 $ 1,134,000 $ 283,500 $ 141,000
Kenosha, Wisconsin 4 $ 1,483,000 $ 370,750 $ 171,000
Washington, Arkansas 3 $ 2,457,000 $ 819,000 $ 488,000
Amador, California 3 $ 681,000 $ 227,000 $ 357,000
Tulare, California 3 $ 647,000 $ 215,666 $ 77,000
Pitkin, Colorado 3 $ 3,967,000 $ 1,322,333 $ 973,000
Routt, Colorado 3 $ 1,156,000 $ 385,333 $ 194,000
New London, Connecticut 3 $ 923,000 $ 307,666 $ 177,000
Alachua, Florida 3 $ 570,000 $ 190,000 $ 177,000
Escambia, Florida 3 $ 853,000 $ 284,333 $ 173,000
Leon, Florida 3 $ 675,000 $ 225,000 $ 102,000
Wakulla, Florida 3 $ 452,000 $ 150,666 $ 67,000
Coweta, Georgia 3 $ 680,000 $ 226,666 $ 108,000
Greene, Georgia 3 $ 866,000 $ 288,666 $ 260,000
Canyon, Idaho 3 $ 511,000 $ 170,333 $ 116,000
Jo Daviess, Illinois 3 $ 857,000 $ 285,666 $ 215,000
St. Clair, Illinois 3 $ 472,000 $ 157,333 $ 86,000
Hendricks, Indiana 3 $ 855,000 $ 285,000 $ 118,000
Polk, Iowa 3 $ 536,000 $ 178,666 $ 143,000
Scott, Iowa 3 $ 1,012,000 $ 337,333 $ 154,000
Caddo, Louisiana 3 $ 348,000 $ 116,000 $ 55,000
Hancock, Maine 3 $ 951,000 $ 317,000 $ 260,000
Calvert, Maryland 3 $ 756,000 $ 252,000 $ 122,000
Harford, Maryland 3 $ 703,000 $ 234,333 $ 111,000
Queen Anne's, Maryland 3 $ 1,384,000 $ 461,333 $ 302,000
St. Mary's, Maryland 3 $ 1,078,000 $ 359,333 $ 182,000
Worcester, Maryland 3 $ 703,000 $ 234,333 $ 141,000
Dukes, Massachusetts 3 $ 964,000 $ 321,333 $ 267,000
Nantucket, Massachusetts 3 $ 4,505,000 $ 1,501,666 $ 184,000
Allegan, Michigan 3 $ 1,481,000 $ 493,666 $ 240,000
Genesee, Michigan 3 $ 470,000 $ 156,666 $ 72,000
Madison, Mississippi 3 $ 840,000 $ 280,000 $ 217,000
Rankin, Mississippi 3 $ 861,000 $ 287,000 $ 104,000
Christian, Missouri 3 $ 448,000 $ 149,333 $ 51,000
Greene, Missouri 3 $ 340,000 $ 113,333 $ 42,000
Missoula, Montana 3 $ 746,000 $ 248,666 $ 67,000
Ravalli, Montana 3 $ 885,000 $ 295,000 $ 82,000
Merrimack, New Hampshire 3 $ 582,000 $ 194,000 $ 162,000
Sussex, New Jersey 3 $ 1,325,000 $ 441,666 $ 145,000
Columbia, New York 3 $ 1,277,000 $ 425,666 $ 212,000
Onondaga, New York 3 $ 435,000 $ 145,000 $ 146,000
Rockland, New York 3 $ 1,372,000 $ 457,333 $ 1,675,000
Carteret, North Carolina 3 $ 619,000 $ 206,333 $ 95,000
Currituck, North Carolina 3 $ 1,333,000 $ 444,333 $ 915,000
Forsyth, North Carolina 3 $ 457,000 $ 152,333 $ 115,000
Haywood, North Carolina 3 $ 866,000 $ 288,666 $ 173,000
Macon, North Carolina 3 $ 1,008,000 $ 336,000 $ 229,000
Lucas, Ohio 3 $ 671,000 $ 223,666 $ 1,021,000
Medina, Ohio 3 $ 552,000 $ 184,000 $ 87,000
Wood, Ohio 3 $ 206,000 $ 68,666 $ 52,000
Clatsop, Oregon 3 $ 1,018,000 $ 339,333 $ 147,000
Hood River, Oregon 3 $ 884,000 $ 294,666 $ 182,000
Polk, Oregon 3 $ 557,000 $ 185,666 $ 81,000
Tillamook, Oregon 3 $ 975,000 $ 325,000 $ 299,000
Adams, Pennsylvania 3 $ 505,000 $ 168,333 $ 132,000
Northampton, Pennsylvania 3 $ 551,000 $ 183,666 $ 145,000
Kent, Rhode Island 3 $ 1,014,000 $ 338,000 $ 94,000
Lancaster, South Carolina 3 $ 720,000 $ 240,000 $ 99,000
Pickens, South Carolina 3 $ 2,046,000 $ 682,000 $ 1,329,000
York, South Carolina 3 $ 560,000 $ 186,666 $ 158,000
Pennington, South Dakota 3 $ 912,000 $ 304,000 $ 173,000
Kendall, Texas 3 $ 1,166,000 $ 388,666 $ 137,000
Washington, Utah 3 $ 493,000 $ 164,333 $ 52,000
Henrico, Virginia 3 $ 418,000 $ 139,333 $ 79,000
Lynchburg, Virginia 3 $ 301,000 $ 100,333 $ 101,000
Norfolk, Virginia 3 $ 791,000 $ 263,666 $ 155,000
Spotsylvania, Virginia 3 $ 773,000 $ 257,666 $ 155,000
Skagit, Washington 3 $ 859,000 $ 286,333 $ 118,000
Berkeley, West Virginia 3 $ 570,000 $ 190,000 $ 145,000
Outagamie, Wisconsin 3 $ 801,000 $ 267,000 $ 248,000
Sawyer, Wisconsin 3 $ 944,000 $ 314,666 $ 114,000
St. Croix, Wisconsin 3 $ 2,257,000 $ 752,333 $ 202,000
Walworth, Wisconsin 3 $ 611,000 $ 203,666 $ 94,000
Lee, Alabama 2 $ 388,000 $ 194,000 $ 150,000
Mobile, Alabama 2 $ 328,000 $ 164,000 $ 154,000
Morgan, Alabama 2 $ 357,000 $ 178,500 $ 575,000
Matanuska-Susitna, Alaska 2 $ 557,000 $ 278,500 $ 121,000
Apache, Arizona 2 $ 438,000 $ 219,000 $ 133,000
Faulkner, Arkansas 2 $ 328,000 $ 164,000 $ 53,000
Saline, Arkansas 2 $ 354,000 $ 177,000 $ 45,000
Humboldt, California 2 $ 293,000 $ 146,500 $ 269,000
Tuolumne, California 2 $ 281,000 $ 140,500 $ 85,000
Archuleta, Colorado 2 $ 1,962,000 $ 981,000 $ 514,000
Delta, Colorado 2 $ 487,000 $ 243,500 $ 320,000
Elbert, Colorado 2 $ 384,000 $ 192,000 $ 65,000
Gunnison, Colorado 2 $ 619,000 $ 309,500 $ 121,000
Mesa, Colorado 2 $ 401,000 $ 200,500 $ 71,000
San Miguel, Colorado 2 $ 988,000 $ 494,000 $ 137,000
Teller, Colorado 2 $ 400,000 $ 200,000 $ 163,000
Tolland, Connecticut 2 $ 659,000 $ 329,500 $ 209,000
Clay, Florida 2 $ 1,116,000 $ 558,000 $ 96,000
Marion, Florida 2 $ 596,000 $ 298,000 $ 95,000
Polk, Florida 2 $ 455,000 $ 227,500 $ 129,000
Columbia, Georgia 2 $ 354,000 $ 177,000 $ 182,000
Douglas, Georgia 2 $ 445,000 $ 222,500 $ 107,000
Fayette, Georgia 2 $ 387,000 $ 193,500 $ 96,000
Harris, Georgia 2 $ 317,000 $ 158,500 $ 85,000
Lowndes, Georgia 2 $ 253,000 $ 126,500 $ 46,000
Pickens, Georgia 2 $ 512,000 $ 256,000 $ 247,000
Putnam, Georgia 2 $ 1,168,000 $ 584,000 $ 421,000
Spalding, Georgia 2 $ 439,000 $ 219,500 $ 106,000
Union, Georgia 2 $ 629,000 $ 314,500 $ 113,000
Valley, Idaho 2 $ 1,037,000 $ 518,500 $ 164,000
Madison, Illinois 2 $ 330,000 $ 165,000 $ 104,000
McHenry, Illinois 2 $ 322,000 $ 161,000 $ 120,000
Peoria, Illinois 2 $ 911,000 $ 455,500 $ 243,000
Hancock, Indiana 2 $ 297,000 $ 148,500 $ 102,000
Johnson, Indiana 2 $ 281,000 $ 140,500 $ 107,000
Lake, Indiana 2 $ 514,000 $ 257,000 $ 51,000
Marshall, Indiana 2 $ 143,000 $ 71,500 $ 42,000
St. Joseph, Indiana 2 $ 552,000 $ 276,000 $ 179,000
Douglas, Kansas 2 $ 397,000 $ 198,500 $ 120,000
St. Martin, Louisiana 2 $ 453,000 $ 226,500 $ 166,000
Oxford, Maine 2 $ 479,000 $ 239,500 $ 371,000
Berrien, Michigan 2 $ 729,000 $ 364,500 $ 59,000
Kalamazoo, Michigan 2 $ 231,000 $ 115,500 $ 93,000
Manistee, Michigan 2 $ 421,000 $ 210,500 $ 126,000
Cass, Minnesota 2 $ 641,000 $ 320,500 $ 267,000
Crow Wing, Minnesota 2 $ 549,000 $ 274,500 $ 157,000
Olmsted, Minnesota 2 $ 608,000 $ 304,000 $ 188,000
Hinds, Mississippi 2 $ 154,000 $ 77,000 $ 34,000
Andrew, Missouri 2 $ 600,000 $ 300,000 $ 58,000
Benton, Missouri 2 $ 247,000 $ 123,500 $ 160,000
Franklin, Missouri 2 $ 442,000 $ 221,000 $ 183,000
Jefferson, Missouri 2 $ 283,000 $ 141,500 $ 64,000
Stone, Missouri 2 $ 413,000 $ 206,500 $ 67,000
Lake, Montana 2 $ 3,067,000 $ 1,533,500 $ 263,000
Madison, Montana 2 $ 427,000 $ 213,500 $ 79,000
Sarpy, Nebraska 2 $ 429,000 $ 214,500 $ 143,000
Storey, Nevada 2 $ 331,000 $ 165,500 $ 100,000
Carroll, New Hampshire 2 $ 367,000 $ 183,500 $ 129,000
Strafford, New Hampshire 2 $ 308,000 $ 154,000 $ 52,000
Gloucester, New Jersey 2 $ 389,000 $ 194,500 $ 107,000
Broome, New York 2 $ 651,000 $ 325,500 $ 83,000
Chautauqua, New York 2 $ 936,000 $ 468,000 $ 292,000
Schenectady, New York 2 $ 322,000 $ 161,000 $ 87,000
Alamance, North Carolina 2 $ 550,000 $ 275,000 $ 162,000
Lincoln, North Carolina 2 $ 466,000 $ 233,000 $ 113,000
Pitt, North Carolina 2 $ 138,000 $ 69,000 $ 49,000
Stanly, North Carolina 2 $ 374,000 $ 187,000 $ 83,000
Yancey, North Carolina 2 $ 803,000 $ 401,500 $ 208,000
Madison, Ohio 2 $ 721,000 $ 360,500 $ 135,000
Delaware, Oklahoma 2 $ 326,000 $ 163,000 $ 135,000
Josephine, Oregon 2 $ 843,000 $ 421,500 $ 102,000
Butler, Pennsylvania 2 $ 363,000 $ 181,500 $ 144,000
Erie, Pennsylvania 2 $ 531,000 $ 265,500 $ 429,000
Lancaster, Pennsylvania 2 $ 1,515,000 $ 757,500 $ 144,000
Lycoming, Pennsylvania 2 $ 816,000 $ 408,000 $ 262,000
Washington, Pennsylvania 2 $ 1,406,000 $ 703,000 $ 189,000
Berkeley, South Carolina 2 $ 328,000 $ 164,000 $ 62,000
Lexington, South Carolina 2 $ 567,000 $ 283,500 $ 262,000
Richland, South Carolina 2 $ 326,000 $ 163,000 $ 38,000
Campbell, Tennessee 2 $ 421,000 $ 210,500 $ 265,000
Hamilton, Tennessee 2 $ 691,000 $ 345,500 $ 134,000
Montgomery, Tennessee 2 $ 366,000 $ 183,000 $ 80,000
Sullivan, Tennessee 2 $ 584,000 $ 292,000 $ 242,000
Bastrop, Texas 2 $ 214,000 $ 107,000 $ 63,000
Bell, Texas 2 $ 210,000 $ 105,000 $ 40,000
Bowie, Texas 2 $ 671,000 $ 335,500 $ 51,000
Brewster, Texas 2 $ 471,000 $ 235,500 $ 73,000
Llano, Texas 2 $ 963,000 $ 481,500 $ 160,000
Midland, Texas 2 $ 659,000 $ 329,500 $ 211,000
Smith, Texas 2 $ 325,000 $ 162,500 $ 121,000
Franklin, Vermont 2 $ 517,000 $ 258,500 $ 126,000
Rutland, Vermont 2 $ 392,000 $ 196,000 $ 157,000
Washington, Vermont 2 $ 527,000 $ 263,500 $ 128,000
Windham, Vermont 2 $ 425,000 $ 212,500 $ 175,000
Chesapeake, Virginia 2 $ 693,000 $ 346,500 $ 170,000
Fauquier, Virginia 2 $ 850,000 $ 425,000 $ 176,000
Franklin, Virginia 2 $ 342,000 $ 171,000 $ 87,000
King George, Virginia 2 $ 449,000 $ 224,500 $ 162,000
Lancaster, Virginia 2 $ 945,000 $ 472,500 $ 333,000
Nelson, Virginia 2 $ 397,000 $ 198,500 $ 200,000
Roanoke City, Virginia 2 $ 434,000 $ 217,000 $ 106,000
Stafford, Virginia 2 $ 818,000 $ 409,000 $ 109,000
York, Virginia 2 $ 492,000 $ 246,000 $ 166,000
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Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2012

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 9,535 $4,172,202,000 $437,000 $9,000,000 $203,000 $5,414,000
Home Purchase 1,473 $694,798,000 $471,000 $5,000,000 $218,000 $4,500,000
Home Improvement 67 $27,244,000 $406,000 $2,150,000 $172,000 $1,150,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 7,809 $3,363,928,000 $430,000 $4,891,000 $197,000 $5,414,000
Not Provided 2,179 $1,034,032,000 $474,000 $9,000,000 $233,000 $4,794,000
Asian 772 $373,287,000 $483,000 $2,730,000 $214,000 $2,524,000
Hispanic 214 $85,915,000 $401,000 $2,210,000 $179,000 $1,476,000
Black or African American 61 $19,992,000 $327,000 $1,080,000 $172,000 $1,111,000
Native Hawaiian or Other Pacific Islander 25 $9,904,000 $396,000 $990,000 $178,000 $1,198,000
American Indian or Alaskan Native 15 $7,186,000 $479,000 $1,469,000 $208,000 $520,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 11,074 $4,894,071,000 $441,000 $9,000,000 $205,000 $5,414,000
FHA-insured (Federal Housing Administration) 1 $173,000 $173,000 $173,000 $56,000 $56,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Purchased By The Institution 4,714 $1,923,203,000 $407,000 $1,500,000 $198,000 $5,414,000
Loan Originated 3,908 $1,861,269,000 $476,000 $4,891,000 $214,000 $4,668,000
Application Denied By Financial Institution 1,738 $827,504,000 $476,000 $9,000,000 $201,000 $4,794,000
Application Withdrawn By Applicant 597 $232,227,000 $388,000 $5,000,000 $207,000 $4,500,000
Application Approved But Not Accepted 71 $28,684,000 $404,000 $1,650,000 $185,000 $907,000
File Closed For Incompleteness 47 $21,357,000 $454,000 $1,500,000 $205,000 $1,200,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Collateral 569 $273,739,000 $481,000 $4,000,000 $238,000 $4,600,000
Credit Application Incomplete 483 $191,345,000 $396,000 $2,730,000 $243,000 $4,794,000
Debt-To-Income Ratio 483 $266,884,000 $552,000 $4,000,000 $97,000 $721,000
Other 92 $42,451,000 $461,000 $9,000,000 $241,000 $1,999,000
Unverifiable Information 48 $23,300,000 $485,000 $1,893,000 $301,000 $1,696,000
Credit History 44 $19,754,000 $448,000 $1,360,000 $188,000 $625,000
Employment History 10 $4,280,000 $428,000 $1,080,000 $156,000 $516,000
Insufficient Cash (Downpayment, Closing Cost) 9 $5,751,000 $639,000 $2,925,000 $388,000 $2,568,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Charles Schwab Bank, SSB's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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